Crédit Mutuel uses a strategy aimed at diversifying the services provided to customers/members (banking, insurance, personal services, mobility solutions, remote surveillance, etc.). This strategy is built on individual autonomy and accountability when it comes to decision-making. This calls for constantly-evolving and recognised skills to be able to analyse and put forward appropriate solutions, in full compliance with the regulations in force. Crédit Mutuel holds a strong ambition when it comes to employability, through promotion and career opportunities in highly decentralised organisations that continue to recruit extensively.

In 2016, the Crédit Mutuel industry branch began to certify certain benchmark positions in order to increase the visibility of the skills acquired by employees and recognised throughout France.

The objective is also to enable our employees to obtain a level of recognition that highlights their skills beyond their immediate industry branches, namely through Recognition of Prior Learning (RPL) pathways.

This key element of recognition will help secure career paths and strengthen our internal retention policies by supporting the development of skills relevant to current and future roles.

Lastly, the National Joint Committee on Employment (CPNE) has ruled that the certifications created by the Crédit Mutuel industry branch shall be open to all group employees, i.e. nearly 88,000 people working in several branches: Crédit Mutuel, banking, financial companies, insurance, real estate, etc.

As part of this, the first Professional Qualification Certificate (CQP) for Business Client Advisors or “CCPRO” (Chargé de clientèle de professionnels, serving artisans, merchants and the self-employed) was registered in the French national directory of professional certifications (RNCP) in December 2018 under the reference RNCP38026 - CQP Chargé de clientèle de professionnels. More than 1,500 candidates have already acquired “CQP Chargé de clientèle de professionnels” certification since 2018.
The Professional Qualification Certificate (CQP) for Corporate Account Managers or “CAE” (Chargé d’affaires entreprises) was initially registered in July 2020, and then renewed in November 2023 and again in October 2025 under the reference RNCP41488 - CQP Chargé d’affaires entreprises.

In February 2024, the CQP for Wealth Management Advisors or “CGEST” was also registered in the RNCP: RNCP38614 - CQP Conseiller en gestion de patrimoine, as was the Professional certificate/title (TP) for Personal Client Advisors: RNCP38613 - Chargé de clientèle particuliers.

In October 2025, the CQP for Bank/Branch Managers (RNCP41435 – Directeur de Caisse ou d’Agence) and the CQP for Agriculture/Viticulture Account Managers (RNCP41400 – CQP Chargé d’affaires agriculture/viticulture) completed the list of professional qualification certificates (CQP) and professional certificates/titles (TP).

A total of six CQPs or TPs have been registered or soon will be:

• Business Client Advisor (CCPRO - Chargé de clientèle de professionnels) – Level 6
• Corporate Account Manager (CAE - Chargé d’affaires entreprises) – Level 7
• Personal Client Advisor (CCPART - Chargé de clientèle de particuliers) – Level 6
• Wealth Management Advisor (CGEST - Conseiller en gestion de patrimoine) – Level 6
• Bank/Branch Manager (DA - Directeur de Caisse ou d’Agence) – Level 7
• Agriculture/Viticulture Account Manager (Chargé d’affaires agriculture/viticulture) – Level 6

A professional skills certificate (digital skills), also called a “Digital Passport”, for registration in the specific skills directory (Répertoire Spécifique).